Electronic settlement system, electronic settlement method and cash paying method using lcd barcode display on mobile terminal

ABSTRACT

Disclosed are an electronic settlement system, an electronic settlement method, and a cash payment method using a LCD barcode displayed on a mobile terminal, thereby simply performing member identification using the LCD barcode including member information, electronic settlement services (such as credit card settlement, direct payment card settlement, advance payment card settlement, small amount settlement, and Giro system settlement) at various shops via a procedure verifying whether a user is an actual owner of the barcode, cash payment services via member information barcode and member identification procedures, advance payment card services by depositing a designated amount of money at a database of the bank and allowing the user to systematically use the advance card within the deposited money, and wirelss banking services for transmitting and receiving various banking related data via wireless network between the bank and the members.

TECHNICAL FIELD

[0001] The present invention relates to an electronic settlement systemusing a LCD barcode displayed on a mobile terminal such as a mobiletelephone terminal, a PDA (Personal Digital Assistant), or a pager, andmore particularly to an electronic settlement system, an electronicsettlement method, and a cash payment method using a LCD barcodedisplayed on a mobile terminal, thereby simply performing memberidentification using the LCD barcode including member information,electronic settlement services (such as credit card settlement, directpayment card settlement, advance payment card settlement, small amountsettlement, and Giro system settlement) at various shops via a procedureverifying whether a user is an actual owner of the barcode, cash paymentservices via member information barcodes and member identificationprocedures, small amount settlement services for settling trafficexpenses and for use of a vending machine without coins, advance paymentcard services by depositing a designated amount of money at a databaseof a bank and allowing a member to systematically use the advance cardwithin the deposited money, and wireless banking services fortransmitting and receiving various banking related data via wirelessnetwork between the bank and the members.

BACKGROUND ART

[0002] Conventionally, an electronic settlement service system employs acredit card in a form of a magnetic card, and an electronic small amountsettlement service system employs a smart card formed by installing a ICchip in a mobile telephone. In the credit card settlement system,information about a member is stored by a credit settlement terminalinstalled at a shop or a cash dispenser, and then read by a card readerof the credit settlement terminal or the cash dispenser. The creditsettlement terminal or the cash dispenser transmits the read informationto a bank system via a PSTN (public switched telephone network), therebyproviding credit card services to the member. On the other hand, in thesmart card settlement system in which the IC chip is installed withinthe mobile telephone, data corresponding to a designated amount of moneyis stored in the IC chip. Therefore, whenever the member settles thesmall amount of money using the smart card, the amount of money isdeducted from the stored total amount. Therefore, if stored total amountof the money is completely spent, the IC must be recharged.

[0003] The aforementioned conventional systems have several problems asfollows. First, it is not easy to possess a plurality of the magneticcards. As the number of banks for which a member registers increases,the number of cards issued by different banks and then possessed by themember also increases, thereby causing an inconvenience and increasingthe possibility of loss. Particularly, the number of cards possessed byone member, including department cards and customer management cards ateach shop as well as the bank credit cards, drastically increases,thereby being difficult in management.

[0004] Second, in case of the smart card, the IC chip for storingelectronic currency is installed within the mobile terminal, therebyincreasing the production cost of the mobile terminal. Further, afterthe stored money is completely spent, the IC chip must be recharged,thereby making the member to go to a charging station and generating aninconvenience to the member. Further, a cash payment service cannot beprovided to the member via the smart card system.

[0005] Third, since the conventional credit card service system cannotreceive various messages from banks or department stores, it cannotvarious banking services. For example, when a member wants to receivebanking services such as a money transfer from an account to anotheraccount, the member needs to visit the corresponding bank or use othermedia such as telephone and Internet. Further, in case of introducingnew products of the banks or the department stores, the magnetic cardcannot transmit and receive various service related messages.

[0006] Fourth, since the credit card service using the magnetic card andthe smart card service using the IC chip are two separate services, itis difficult to integrate two services one thing, thereby causingcomplicate matters to the members. For example, in order to use thesmall amount settlement service, the member must possess the smart cardinstalled on the mobile terminal. On the other hand, in order to use thecash payment service, the credit card service, etc., the member mustpossess the bank card in a form of the magnetic card separately from themobile terminal. Therefore, it is impossible to provide an integratedbanking service to the members.

DISCLOSURE OF THE INVENTION

[0007] Therefore, the present invention has been made in view of theabove problems, and it is an object of the present invention to providean electronic settlement system, an electronic settlement method, and acash payment method using a LCD barcode displayed on a LCD window of amobile terminal such as a cellular phone, a PDA (Personal DigitalAssistant), or a pager, thereby removing the conventional inconveniencein possession and danger in loss of credit cards and the conventionalinconvenience in recharge in smart cards, promoting wireless bankingservices via wireless network, and integrating the credit card serviceas settlement means and the smart card service as electronic currencymeans.

[0008] According to one aspect of the present invention, there isprovided an electronic settlement system using a barcode stored in amobile terminal, the electronic settlement system comprising: a mobileterminal for receiving LCD barcode via wireless Internet, storing anddisplaying the LCD barcode; a bank server system for creating individualbarcodes for each member, storing the created barcode into database,transmitting the created barcode to the corresponding mobile terminalupon member registration, and transmitting a result of the user'sidentification and a settlement authentication upon requests for user'sidentification and settlement; and a barcode scanner for reading the LCDbarcode of the mobile terminal; a shop client system for transmittinguser's identification and settlement data including a total amount to besettled and a member's password as well as the read LCD barcode to thebank server system, requesting the bank server system to identify theuser and to settle the amount, being notified of the result of theuser's identification and the settlement authentication by the bankserver system, performing the settlement transaction, and outputting asettlement slip.

[0009] According to another aspect of the present invention, theelectronic settlement system further comprising a cash payment clientsystem for transmitting cash payment data including a total amount to bepaid and a member's password as well as the read LCD barcode to the bankserver system, requesting the bank server system to identify the userand to verify the possibility of cash payment, being notified of theresult of the user's identification and the result of the verificationof the cash payment possibility by the bank server system, performingthe cash payment transaction, and outputting a detailed statement forpayment.

[0010] According to another aspect of the present invention, there isprovided an electronic settlement method using a barcode stored in amobile terminal, the electronic settlement method comprising the stepsof: (a) inputting the barcode stored by the member's mobile terminal, amember's password, and total amount to be settled, wherein the barcodeis conferred the registered member and transmitted to the mobileterminal of the registered member; (b) transmitting the inputted barcodedata, the member's password, and the total amount to be settled to thebank server system, and requesting the bank server system to settle thetotal mount; (c) verifying the member's settlement possibility uponreceiving a request for the electronic settlement from a shop clientsystem, and then in case the settlement is possible, performing thesettlement and transmitting settlement completion data to the requestedshop client system or in case the settlement is impossible, transmittingsettlement impossibility data to the requested shop client system; andprocessing the settlement transaction in case the settlement completiondata are transmitted to the requested shop client system, or displayingthe reason of the settlement impossibility via a screen in case thesettlement impossibility data are transmitted to the requested shopclient system.

[0011] According to another aspect of the present invention, there isprovided a cash payment method using a LCD barcode stored in a mobileterminal, said cash payment method comprising the steps of: (a)inputting the barcode stored by the member's mobile terminal, a member'spassword, and total amount to be paid, wherein the barcode is conferredthe registered member and transmitted to the mobile terminal of theregistered member; (b) transmitting the inputted barcode data, themember's password, and the total amount to be paid to the bank serversystem, and requesting the bank server system to pay the total mount ofcash; (c) verifying the member's cash payment possibility upon receivinga request for the cash payment from a cash payment client system, andthen in case the cash payment is possible, transmitting cash paymentpossibility data to the requested cash payment client system or in casethe cash payment is impossible, transmitting cash payment impossibilitydata to the requested cash payment client system; and processing thecash payment in case the cash payment possibility data are transmittedto the requested cash payment client system, or displaying the reason ofthe settlement impossibility via a screen in case the settlementimpossibility data are transmitted to the requested cash payment clientsystem.

BRIEF DESCRIPTION OF THE DRAWINGS

[0012] The above and other objects, features and other advantages of thepresent invention will be more clearly understood from the followingdetailed description taken in conjunction with the accompanyingdrawings, in which:

[0013]FIG. 1 is a schematic view of an electronic settlement systemusing a LCD barcode displayed on a mobile terminal in accordance withthe present invention;

[0014]FIG. 2 is a flow chart of the electronic settlement system of FIG.1;

[0015]FIG. 3 is a schematic view of a bank server system in accordancewith the present invention;

[0016]FIG. 4 is a schematic view of a shop client system in accordancewith the present invention;

[0017]FIG. 5 a schematic view of a cash payment client system inaccordance with the present invention;

[0018]FIG. 6 is a schematic view showing one example of a barcodeapplied in the present invention;

[0019]FIG. 7 is a flow chart of an electronic settlement method using aLCD barcode displayed on a mobile terminal in accordance with thepresent invention; and

[0020]FIG. 8 is a flow chart of a cash payment method using a LCDbarcode displayed on a mobile terminal in accordance with the presentinvention.

BEST MODE FOR CARRYING OUT THE INVENTION

[0021] Now, an electronic settlement system using a LCD barcodedisplayed on a mobile terminal in accordance with the present inventionwill be described in detail with reference to the accompanying drawings.In the drawings, elements having the same or similar configurations andfunctions are denoted by the same reference numerals even though theyare depicted in different drawings.

[0022] In the electronic settlement system of the present invention, amobile terminal 100, a computer 200, a bank server system 300, a shopclient system 400, and a cash payment client system 500 are connectedtogether via cable and wireless Internet.

[0023]FIG. 1 is a schematic view of the electronic settlement systemusing the LCD barcode displayed on the mobile terminal in accordancewith the present invention. With reference to FIG. 1, the electronicsettlement system of the present invention comprises the mobile terminal100, the computer 200, the bank server system 300, a barcode scanner600, and the shop client system 400, and the cash payment client system500. Users register for the electronic settlement system to becomemembers of the system of the present invention using the mobile terminal100 via wireless Internet. Further, the mobile terminal 100 serves toreceive and store the LCD barcode via wireless Internet. The users alsoregister for the electronic settlement system to become members of thesystem of the present invention using the computer 200 via Internet.When the users register for the electronic settlement system of thepresent invention, the bank server system 300 creates individualbarcodes for each member and transmits the created barcodes to themobile terminal 100 of the corresponding member. Further, when the bankserver system 300 receives a request for user's identification and asettlement request, the bank server system 300 responds to each requestand transmits a result of the user's identification and a settlementauthentication. The scanner 600 serves to read the LCD barcode displayedon the mobile terminal 100. The shop client system 400 receives inputteddata including a total amount to be settled and a member's password aswell as the LCD barcode scanned by the scanner 600, and requests thebank server system 300 to identify the user and to settle the amount.Then, the shop client system 400 is notified of the result of the user'sidentification and the settlement authentication by the bank serversystem 300, performs the settlement transaction, and outputs asettlement slip to the user. The cash payment client system 500 receivesinputted data including a total amount to be paid and a member'spassword as well as the LCD barcode scanned by the scanner 600, andrequests the bank server system 300 to identify the user and to verifythe possibility of cash payment. Then, the cash payment client system500 is notified of the result of the user's identification and theresult of the verification of the cash payment possibility by the bankserver system 300, performs the cash payment, and outputs a paymentstatement to the user.

[0024] The mobile terminal 100 serves to store and display the LCDbarcode data of the members received via wireless Internet and totransmit/receive various messages for wireless banking service inconnection with the bank server system 300. Herein, the front part theLCD barcode data represents a designated bank. Therefore, a plurality ofthe barcodes representing different banks may be stored by the mobileterminal 100 and then the user may select one from these barcodesaccording to desired banks.

[0025] The computer 200 is used as a terminal unit for inputting memberinformation data and transmitting related response messages upon memberregistration and log-on. Further, the computer 200 serves to receive allinformation and various messages in connection with the banking servicetransmitted from the bank server system 300.

[0026]FIG. 2 is a flow chart of the electronic settlement system ofFIG. 1. With reference to FIG. 2, the arrows P1 and P1′ show the memberapplication, the arrow P2 shows the barcode transmission, the arrows P3and P3′ show the barcode scan, the arrows P4 and P4′ show the input ofthe scanned barcode, the arrows P5 and P5‘show the request for theuser’s identification, the arrows P6 and P6‘show the result of theuser’s identification, the arrow P7 shows the request for the chargesettlement, and the arrow P8 shows the result of the charge settlement.The arrow P7′ shows the request for the cash payment and the arrow P8′shows the result of the cash payment.

[0027]FIG. 3 is a schematic view of the bank server system 300 inaccordance with the present invention. With reference to FIG. 3, thebank server system 300 has several functions, such as an accountmanagement function for credit card service, an account balance checkfunction for small amount settlement service allowing the electronicsettlement of traffic expenses and the use of a vending machine withoutcoins, a deposit managing and balance check function for advance paymentcard service allowing the user to use an advance payment card chargedwith a designated amount of money. Further, the bank server system 300has a cable and wireless banking service function. Via the cable andwireless banking service of the bank server system 300, the memberreceives services such as account checking and money transfer into otheraccounts, and various new product recommendations. In order to performthese functions, the bank server system 300 is connected to the computer200, the shop client system 400, and the cash payment client system 500via cable Internet, and to the member's mobile terminal 100 via wirelessInternet.

[0028] The aforementioned bank server system 300 comprises a controller310, a monitor 320, and a keyboard 330. The controller 310 controls themember management, the barcode creation, the account management, thedatabase, and the security management functions. The monitor 320 outputsa screen by the control of the controller 310.

[0029] The controller 310 comprises a member management unit 311, abarcode creation unit 312, an account management unit 313, a database314, a wireless banking service unit 315, and a cable and wirelessInternet connection unit 317. The member management unit 311 managesregistration and cancellation of membership. The barcode creation unit312 creates a member's specific barcode. The account management unit 313manages the whole transaction history of the member's account andverifies the member's settlement possibility upon receiving a requestfor the electronic settlement service from the shop client system 400.The database 314 stores and manages various data including member'sinformation data, barcode data, account data, maintenance and managementdata relating to the system operation, and data for Internet bankingservices. The wireless banking service unit 315 performs wirelessbanking services and verifies the possibility of cash payment uponreceiving a request for the cash payment service from the cash paymentclient system 500, and the cable and wireless Internet connection unit317 performs cable and wireless Internet connection functions.

[0030] The member management unit 311 informs the users of a contract, aservice introduction, a member registration procedure, etc. Upon themember registration, the member management unit 311 stores names,resident registration numbers, mobile terminal numbers, telephonenumbers, addresses, genders, occupations, etc., inputted by the members,in the database 314. Upon the member cancellation, the member managementunit 311 clears the database 314, including the above data of themember. Further, the member management unit 311 stores a history showingall services provided from the bank server system 300 to the member, andcreates a congratulatory message and transmits it to the cable andwireless Internet connection unit 317 on a member's special occasionsuch as a a birthday or a wedding anniversary. When the admission of themember is completed, the member management unit 311 requests the barcodecreation unit 312 to create the member's specific barcode.

[0031] The barcode creation unit 312 receives the request for themember's specific barcode from the member management unit 311 andcreates barcode data including a bank code and a check code. The createdbarcode is transmitted to the cable and wireless Internet connectionunit 317.

[0032] The barcode, for example, consists of eighteen spaces. Herein,middle fourteen spaces create a member code corresponding to a membernumber, and then whether this member number is already used by theexisting member is checked. The first two spaces create a bank code, andthe last two spaces create a check code.

[0033] The account management unit 313 has a function of managing thetransactions of the account of the member. When the member performs amoney deposit or a money transfer from an account to another account,the account management unit 313 updates the balance of the member'saccount and stores the corresponding data in the database 314.

[0034] Further, upon receiving a request for the electronic settlementservice from a shop, the account management unit 313 performs a functionof verifying the member's settlement possibility. In case of the advancepayment service, the account management unit 313 verifies whether thepayment amount of the member is more than a limit, i.e., a predeterminedlimit of his/her advance payment card. If the payment of the member ismore than the limit, the account management unit 313 notifies the memberof a settlement impossible message via the network. Upon receiving arequest for the balance check from the member management unit 311 or thewireless banking service unit 315, the account management unit 313checks the database regarding to the account of the corresponding memberand then notifies the member management unit 311 or the wireless bankingservice unit 315 of the balance condition.

[0035] A system and security management unit 316 serves to entirelymaintain and manage the bank server system 300, to protect the bankserver system 300 from being invaded by hackers, and to find out theinvasions of the hackers. Further, the system and security managementunit 316 serves to prevent the data conversion, which may occur at thetime of transmitting and receiving the data via the network, and toauthenticate the members.

[0036] The cable and wireless Internet connection unit 317 performs anInternet protocol function necessary upon the member registration/log-onand the Internet banking, and serves to transmit various messages forwireless banking services as well as the aforementioned barcode.

[0037]FIG. 4 is a schematic view of the shop client system 400 inaccordance with the present invention. With reference to FIG. 4, theshop client system 400 is arranged at individual shops. The shop clientsystem 400 performs various procedures and functions for the electronicsettlement by the member. A barcode scanner for scanning the LCD barcodedisplayed on the member's mobile terminal is installed on the shopclient system 400. The shop client system 400 comprises a shopcontroller 410, a monitor 420, and a keyboard 430.

[0038] The shop controller 410 comprises a settlement processing unit411, a sales slip output unit 412, a user identification processing unit413, and a network connection unit 414. The settlement processing unit411 performs the settlement transaction according to the notification ofthe user identification. The sales slip output unit 412 outputs a salesslip. The user identification processing unit 413 identifies the user.The network connection unit 414 serves to be connected to Internet.

[0039] The user identification processing unit 413 outputs a messagesaying, “Input a password” on the monitor 420. Then, the member inputshis/her password via the keyboard 430. The user identificationprocessing unit 413 transmits the password inputted by the member to thebank server system 300 via the network connection unit 414 and requeststhe bank server system 300 to identify the user. Based on the useridentification result transmitted from the bank server system 300, theuser identification processing unit 413 outputs a message saying “Inputagain a password” or “Settlement impossible”. When the user isidentified as the member, the user identification processing unit 413notifies the settlement processing unit 411 of this fact.

[0040] The settlement processing unit 411 finds out a relevant bank,which issues the member's settlement account, using the first two spacesof the barcode data read by the barcode scanner 600 as shown in FIG. 6,and then determines a member code including sixteen spaces using thefront two spaces and the middle fourteen spaces representing themember's number of the barcodes. Then, the settlement processing unit411 outputs a message saying “Input a total amount to be settled using akeyboard”. When a shop clerk inputs the total amount to be settled viathe keyboard 430, the settlement processing unit 411 is connected to therelevant bank server system 300 using the member code via the networkconnection unit 414 and requests the bank server system 300 to check thebalance on the member's account. When the bank server system 300notifies the settlement processing unit 411 of the settlementpossibility via the network connection unit 414, the settlementprocessing unit 411 notifies the user identification processing unit 413that the user is actually an owner of the barcode. Then, when the useridentification processing unit 413 notifies the settlement processingunit 411 of the user identification, the settlement processing unit 411transmits the member number and the settlement amount to the sales slipoutput unit 412.

[0041] The sales slip output unit 412 serves to output the sales slipfor signature by the member through a printer. After the member signshis/her name on the outputted sale slip, one sheet of the signed slipsis given to the member and the remaining two sheets are stored by theshop.

[0042]FIG. 5 is a schematic view of the cash payment client system 500in accordance with the present invention. With reference to FIG. 5, thecash payment client system 500 comprises a controller 510, a monitor520, a keyboard 530, and a cash dispenser 540 for providing thecorresponding amount of cash to the member according to the notificationof cash payment possibility. The controller 510 comprises a cash paymentprocessing unit 511 for processing the cash payment, a statement outputunit 512 for outputting a detailed statement for payment, a useridentification processing unit 513, and a network connection unit 514.The user identification processing unit 513 requests the bank serversystem 300 to identify the user, thereby performing the identificationof the user. The network connection unit 514 connects the useridentification processing unit 513 to Internet.

[0043] The cash payment processing unit 511 requests via the monitor 520the member to input his/her password, and then transmits the inputtedpassword by the keyboard 530 to the user identification processing unit513. Further, the cash payment processing unit 511 receives the paymentamount data inputted by the keyboard 530 and requests the correspondingbank server system 300 to check the member's account and the balance ofthe account via the network connection unit 514. Then, in case the cashpayment is possible, the cash payment processing unit 511 notifies thecash dispenser 540 of the cash payment possibility.

[0044] The user identification processing unit 513 requests the bankserver system 300 to verify whether the member number of the LCD barcodeand the password are identical with the stored data of the bank serversystem 300 via the radio Internetwork by the network connection unit514. In case the member number of the LCD barcode and the password arenot identical with the stored data of the bank server system 300, theuser identification processing unit 513 requests the user to input againhis/her password or outputs a message saying “Unusable” on the monitor520. On the other hand, in case the member number of the LCD barcode andthe password are identical with the stored data of the bank serversystem 300, the user identification processing unit 513 notifies thecash payment processing unit 511 of this fact.

[0045] The barcode scanner 600 scans the LCD barcode including eighteenspaces displayed on the LCD window of the mobile terminal 100 as shownin FIG. 6 and decodes the sixteen spaces corresponding to the membercode including the bank code and the member's number using the last twospaces corresponding to the check code. The barcode scanner 600transmits the decoded barcode data to the shop client system 400 or thecash payment client system 500.

[0046]FIG. 6 is a schematic view showing an example of the barcodeapplied in the present invention. With reference to FIG. 6, even thoughthe present invention uses a first dimensional barcode, the barcode isnot limited to its code type. As shown in FIG. 6, the barcode of thepresent invention consists of eighteen bars defining individual decimalnumbers. The first two bars serve to represent the bank code of thecorresponding bank. Since one member usually possesses a plurality ofbank cards, two bars are provided to recognize department cards andvarious services using barcodes as well as various bank cards. Themiddle fourteen bars represent the member number and serves to recognizethe user as the member of each bank. The last two bars represent thecheck code for checking whether the barcode data is correct or not.Since except for the check code, total sixteen bars correspond tosixteen single numbers of a conventional credit card, the conventionalbank card number may be directly changed to the barcode of the presentinvention.

[0047]FIG. 7 is a flow chart of an electronic settlement method usingthe LCD barcode displayed on the mobile terminal in accordance with thepresent invention, and FIG. 8 is a flow chart of a cash payment methodusing the LCD barcode displayed on the mobile terminal in accordancewith the present invention.

[0048] Hereinafter, the operation of the present invention will bedescribed in detail with reference to the accompanying drawings.

[0049] With reference to FIGS. 1 to 7, the electronic settlement methodand the cash payment method using the LCD barcode displayed on themobile terminal of the present invention are described. In the step (a),a user is connected to the bank server system 300 via the computer 200or the mobile terminal 100 and registers for the system 300 to become amember. Then, the bank server system 300 provides a specific barcode tothe registered member. That is, in order to receive the electronicsettlement service of the present invention, the user must register forthe system as the member on-line or off-line. Herein, the on-lineregistration methods are divided into two types. One method uses thecomputer 200 and the other method uses the mobile terminal 100. When theuser is registered as the member using the aforementioned methods, thebank server system 300 stores a member's information including a name, aresident registration number, a mobile terminal number, a telephonenumber, an address, gender, occupation, etc., in its internal database.Further, the bank server system 300 creates barcodes according to themembers or the accounts, and transmits the created barcodes to themobile terminals 100 of the corresponding members via wireless Internet,thereby displaying the barcodes on the LCD window of the mobileterminals 100 of the members.

[0050] More particularly, in order to register for the system to becomea member, the user is connected to the bank server system 300 via thepersonal computer 200. Then, the member management unit 311 of the bankserver system 300 informs the users of the contract, the serviceintroduction, the member registration procedure, etc., and stores thenames, the resident registration numbers, the mobile terminal numbers,the telephone numbers, the addresses, the genders, the occupations,etc., inputted by the members, in the database 314. Upon the membercancellation, the member management unit 311 clears the database 314,including the above data of the member. Further, the member managementunit 311 stores a history showing all services provided from the bankserver system 300 to the member, and creates a congratulatory messageand then transmits it to the cable and wireless Internet connection unit317 on a member's special occasion such as a birthday or a weddinganniversary, thereby more organically and systematically performing themember management.

[0051] When the registration of the member is completed, the membermanagement unit 311 requests the barcode creation unit 312 to create themember's specific barcode. Herein, the barcode creation unit 312receives the request for the member's specific barcode from the membermanagement unit 311 and selects a member number consisting of sixteensingle numbers. Whether the member number is already used by theexisting member is checked. For example, since the first two barsrepresent the bank code, each bank may substantially set a member numberincluding fourteen bars. After the last two bars are created as thecheck code, the barcode data consisting of eighteen bars as shown inFIG. 6 are created. (S71)

[0052] Next, in the step (b), the barcode conferred on each member istransmitted to the mobile terminal 100 of the corresponding member. Thatis, the created barcode is transmitted to the cable and wirelessInternet connection unit 317 of the bank server system 300, and then thecable and wireless Internet connection unit 317 outputs the transmittedbarcode to the mobile terminal 100 of the corresponding member viamobile communication network. Thereby, the registered member can use thebarcode displayed on the LCD window of his/her mobile terminal 100.

[0053] After the member registration is completed, the accountmanagement is performed. Herein, the account management unit 313 of thebank server system 300 manages the transaction history of the account ofthe member, and all the changes of the account data are stored in thedatabase 314. Via the above account management, the account managementunit 313 performs the account check function, upon receiving a requestfor the account checking from the shop client system 400 or the cashpayment client system 500. The account management is processed at anytime. After the member registration and the account checking arecompleted, the barcode transmission is performed. Herein, the membermanagement unit 311 of the bank server system 300 transmits the createdbarcode to the mobile terminal 100 of the newly registered member by thecable and wireless Internet connection unit 317.

[0054] Herein, the mobile terminal 100 of the member receives and storesthe LCD barcode data of the member from the bank server system 300 viawireless Internet, and then, if necessary, exhibits the stored barcodeon its LCD window. The mobile terminal 100 in connection with the bankserver system 300 performs functions of transmitting and receivingvarious messages for wireless banking services. Particularly, since thefront part the LCD barcode data represents the bank code, a plurality ofthe barcodes representing different banks may be stored by the mobileterminal 100 and then the user may select one from these barcodesaccording to desired banks.

[0055] As described above, the barcode transmitted from the bank serversystem 300 is received by the mobile terminal 100 of the member viawireless network, thereby performing the barcode transmission. Thereceived barcode is stored by the mobile terminal 100 and then isexhibited for use at the shop or the cash dispenser. Since each bank hasan identical barcode system, the member may store a plurality of thebarcodes representing different banks in his/her mobile terminal 100 asmany as his/her accounts. (S72)

[0056] Hereinafter, the electronic settlement method using the LCDbarcode displayed on the mobile terminal in accordance with the presentinvention is described in detail.

[0057] In the step (c), the barcode stored by the mobile terminal 100 ofthe member, the password of the member, and the amount to be settled areinputted. That is, when the member wants to perform the electronicsettlement, the member first selects a desired bank and exhibits thecorresponding barcode on the LCD window his/her mobile terminal 100. Theexhibited barcode is scanned by the barcode scanner 600 installed on acounter of the shop or a cash dispenser. That is, when the memberexhibits the LCD barcode in order to receive the credit card service orthe cash payment service, the LCD barcode is scanned by the barcodescanner 600 and then transmitted to the shop client system 400. Then, amember's password is inputted to the shop client system 400 by thekeyboard 430. As described above, when the member wants to perform theelectronic settlement, the scanned barcode data by the scanner 600 istransmitted to the settlement processing unit 411 of the shop clientsystem 400 (S73).

[0058] Next, in the step (d), the shop client system 400 transmitsbarcode data, the member's password, and the total amount to be settled,inputted via Internet, to the bank server system 300 and requests thebank server system 300 to settle the total amount. That is, thesettlement processing unit 411 find outs a corresponding bank using thefirst two numbers of the barcode data, i.e., the bank code, and thendetermines a member code including total sixteen numbers, using thefirst two numbers representing the bank code and the middle fourteennumbers representing the member's number of the barcodes. Then, thesettlement processing unit 411 outputs a message saying “Input a totalamount to be settled by a keyboard” on the monitor 420. Next, thesettlement processing unit 411 of the shop client system 400 isconnected to the corresponding bank server system 300 via the networkconnection unit 414 and requests the corresponding bank server system300 to check the member' account and the balance on the member'saccount. (S74)

[0059] In the step (e), upon receiving the request for the electronicsettlement from the shop client system, the bank server system 300verifies the member's settlement possibility. In case the settlement ispossible, the bank server system 300 performs the settlement andtransmits settlement completion data to the requested shop client system400. On the other hand, in case the settlement is impossible, the bankserver system 300 transmits settlement impossibility data to therequested shop client system 400.

[0060] More specifically, the bank server system 300 performs severalfunctions, such as an account management function for credit cardservice, an account balance check function for small amount settlementservice allowing the electronic settlement of traffic expenses and theuse of the vending machine without coins, a deposit managing and balancecheck function for advance payment card service allowing the user to usean advance payment card charged with a designated amount of money.Further, the bank server system 300 performs a cable and wirelessbanking service function for providing to the members services such asaccount checking and money transfer from an account to another accountand introducing to the members various new products of the bank viaradio or wireless network.

[0061] Upon receiving the request for the electronic settlement servicefrom the shop client system 400, the account management unit 313 of thebank server system 300 performs the function of verifying the member'ssettlement possibility. When the settlement is possible, in case of theadvance payment service, the account management unit 313 verifieswhether the payment amount of the member is more than a limit, i.e., apredetermined limit of his/her advance payment card. In case the paymentamount is not more than the limit, the account management unit 313performs the settlement and notifies the requested shop client system400 of a settlement result. On the other hand, in case the paymentamount is more than the limit, the account management unit 313 notifiesthe shop client system 400 of a settlement impossible message via thenetwork. Further, upon receiving the request for the balance check, theaccount management unit 313 checks the database regarding to the accountof the corresponding member and then transmits the checked balancecondition. (S75-S77).

[0062] Finally, in the step (f), in case the settlement completion dataare transmitted to the requested shop client system 400, the shop clientsystem 400 processes the settlement transaction. On the other hand, incase the settlement impossibility data are transmitted to the requestedshop client system 400, the shop client system 400 displays the reasonof the settlement impossibility via a screen.

[0063] When the shop client system 400 receives the settlementpossibility message from the bank server system 300, the useridentification processing unit 413 of the shop client system 400verifies whether the user is an actual owner of the barcode. After theelectronic settlement is completed via the user identification, thesales slip output unit 412 of the shop client system 400 outputs a salesslip for signature by the member through a printer.

[0064] In case the settlement is impossible due to bad credit or balancedeficiency, the user identification processing unit 413 outputs amessage saying “Input again a password” or “Settlement impossible” viathe monitor based on the user identification result transmitted from thebank server system 300. (S78 and S79)

[0065] As described above, the sales slip output unit 412 serves tooutput the sales slip for signature by the member through the printer.After the member signs his/her name on the outputted sale slip, onesheet of the signed slips is given to the member and the remaining twosheets are stored by the shop.

[0066] Hereinafter, the cash payment method using the LCD barcodedisplayed on the mobile terminal in accordance with the presentinvention is described in detail.

[0067] With reference to FIGS. 1 to 8, the cash payment system of thepresent invention comprises the same steps (a) to (c) as theaforementioned electronic settlement method of the present invention.Therefore, the steps (a) to (c) of the cash payment system are omitted,and subsequent steps of the cash payment system are described below.

[0068] In the step (d), the cash payment client system 500 transmits theinputted barcode data, member's password, and total amount to be paid,to the bank server system 300 and requests the bank server system 300 topay this amount. (S81 and S82)

[0069] The cash payment client system 500 performs various proceduresand functions for providing the cash payment service. Similarly to theaforementioned shop client system 400, when a member wants to performthe cash payment, the member exhibit his/her LCD barcode on the LCDwindow his/her mobile terminal 100. The exhibited barcode is scanned bythe barcode scanner 600. The barcode scanner 600 transmits the scannedLCD barcode to the cash payment processing unit 511 of the cash paymentclient system 500.

[0070] Herein, the cash payment processing unit 511 requests via themonitor 510 the member to input his/her password, and then transmits theinputted password by the keyboard 530 to the user identificationprocessing unit 513. The user identification processing unit 513 of thecash payment client system 500 is connected to the corresponding bankserver system 300 via radio Internetwork by the network connection unit514 and requests the corresponding bank server system 300 to verifywhether the member number of the LCD barcode and the password areidentical with the stored data of the bank server system 300.

[0071] Next, the cash payment processing unit 511 receives the amount tobe paid, inputted by the keyboard, and requests the bank server system300 to check the member' account and the balance on the member's accountvia the network connection unit 514.

[0072] In the step (e), upon receiving the request for the cash paymentfrom a cash payment client system 500, the bank server system 300verifies the member's cash payment possibility. In case the cash paymentis possible, the bank server system 300 transmits cash paymentpossibility data to the requested cash payment client system 500. On theother hand, in case the cash payment is impossible, the bank serversystem 300 transmits cash payment impossibility data to the requestedcash payment client system 500. (S84 and S85)

[0073] Finally, in the step (f), in case the cash payment possibilitydata are transmitted to the requested cash payment client system 500,the cash payment client system 500 processes the cash payment andoutputs a detailed statement for payment. On the other hand, in case thecash payment impossibility data are transferred to the requested cashpayment client system 500, the cash payment client system 500 displaysthe reason of the settlement impossibility via a screen. Morespecifically, in case the member number of the LCD barcode and thepassword are not identical with the stored data of the bank serversystem 300, the user identification processing unit 513 of the cashpayment client system 500 requests the member to input again his/herpassword or outputs a message saying “Unusable” on the monitor 520. Onthe other hand, in case the member number of the LCD barcode and thepassword are identical with the stored data of the bank server system300, the user identification processing unit 513 notifies the cashpayment processing unit 511 of this fact. Then, the cash paymentprocessing unit 511 requests the member to input the amount of cash tobe paid, and in case the cash payment is possible, gives the member cashof the inputted amount via the cash dispenser 540. (S86 and S87)

[0074] Herein, the statement output unit 512 outputs the detailedstatement for payment. After the electronic settlement is completed viathe user identification, the cash payment processing unit 511 gives themember the corresponding cash via the cash dispenser 540 and outputs thedetailed statement including payment data via statement output unit 512,thereby providing the cash payment service.

[0075] In accordance with the above-described present invention, themembers perform the settlement transaction at shops or the cash paymentusing the mobile terminal.

[0076] As described above, the present invention provides an electronicsettlement system, an electronic settlement method, and a cash paymentmethod using a LCD barcode displayed on a mobile terminal, therebyproviding electronic settlement services to the members at shops bytransmitting a member's specific barcode from a bank to a member'smobile terminal via wireless network and using the barcode, small amountsettlement services for settling traffic expenses and for use of avending machine without coins, advance payment card services bydepositing a designated amount of money at a database of the bank andallowing the user to systematically use the advance card within thedeposited money, and wireless banking services for transmitting andreceiving various banking related data via wireless network between thebank and the members. Therefore, the electronic settlement system of thepresent invention safely and synthetically performs various credit cardservices and banking services only with the mobile terminal.

INDUSTRIAL APPLICABILITY

[0077] As apparent from the above description, the present inventionprovides an electronic settlement system, an electronic settlementmethod, and a cash payment method using a LCD barcode displayed on amobile terminal. The present invention has many advantages as follows.

[0078] 1. The electronic settlement system of the present invention usesa portable mobile terminal, thereby removing the conventionalinconvenience in possession of numerous credit cards.

[0079] 2. Barcode data transmitted from individual banks are stored bythe mobile terminal, thereby simplifying the management compared to theconventional system with a plurality of cards.

[0080] 3. The electronic settlement system of the present invention usesLCD barcodes instead of the conventional magnetic cards, therebyreducing the cost in producing the cards.

[0081] 4. The conventional magnetic credit card for credit card servicewas easily lost by carelessness of a user, and a long time is requiredto reissue a new credit card. The electronic settlement system of thepresent invention eliminates the possibility of loss and provides aswift service.

[0082] 5. The conventional IC card for smart card service with anelectronic currency function must be recharged after completely spendingthe stored money. The electronic settlement system of the presentinvention eliminates this requirement and provides a convenience.

[0083] 6. The conventional magnetic credit card cannot be connected vianetwork. On the other hand, since the mobile terminal employed by theelectronic settlement system of the present invention transmits andreceives various messages, the present invention performs variousbanking services.

[0084] 7. The small amount settlement service of the smart card serviceand the credit card service can be integrated as the electronicsettlement system of the present invention.

[0085] 8. The electronic settlement system of the present inventionperforms additional services relevant to customer management as well assettlement services in department stores.

[0086] 9. The electronic settlement system of the present invention isconnected to a customer management system for providing tickets,coupons, and other customer card services using LCD barcodes of themobile terminal, thereby allowing the users to simply and convenientlyuse the system.

[0087] Although the preferred embodiments of the present invention havebeen disclosed for illustrative purposes, those skilled in the art willappreciate that various modifications, additions and substitutions arepossible, without departing from the scope and spirit of the inventionas disclosed in the accompanying claims.

1. An electronic settlement system using a barcode stored in a mobileterminal, said electronic settlement system comprising: a mobileterminal for receiving LCD barcode via wireless Internet, storing anddisplaying the LCD barcode; a bank server system for creating individualbarcodes for each member, storing the created barcode into database,transmitting the created barcode to the corresponding mobile terminalupon member registration, and transmitting a result of the user'sidentification and a settlement authentication upon requests for user'sidentification and settlement; and a barcode scanner for reading the LCDbarcode of the mobile terminal; a shop client system for transmittinguser's identification and settlement data including a total amount to besettled and a member's password as well as the read LCD barcode to thebank server system, requesting the bank server system to identify theuser and to settle the amount, being notified of the result of theuser's identification and the settlement authentication by the bankserver system, performing the settlement transaction, and outputting asettlement slip.
 4. The electronic settlement system as set forth inclaim 1, wherein the shop client system comprises: a shop controller; amonitor for outputting processing conditions and results; and a keyboardfor key-inputting data including the password; said shop controllerincluding: a settlement processing unit for performing the settlementtransaction according to the notification of the user identification; asales slip output unit for outputting a sales slip; an useridentification processing unit for identifying a user; and a networkconnection unit for performing an Internet connection function.
 6. Anelectronic settlement method using a barcode stored in a mobileterminal, said electronic settlement method comprising the steps of: (a)inputting the barcode stored by the member's mobile terminal, a member'spassword, and total amount to be settled, wherein the barcode isconferred the registered member and transmitted to the mobile terminalof the registered member; (b) transmitting the inputted barcode data,the member's password, and the total amount to be settled to the bankserver system, and requesting the bank server system to settle the totalmount; (c) verifying the member's settlement possibility upon receivinga request for the electronic settlement from a shop client system, andthen in case the settlement is possible, performing the settlement andtransmitting settlement completion data to the requested shop clientsystem or in case the settlement is impossible, transmitting settlementimpossibility data to the requested shop client system; and processingthe settlement transaction in case the settlement completion data aretransmitted to the requested shop client system, or displaying thereason of the settlement impossibility via a screen in case thesettlement impossibility data are transmitted to the requested shopclient system.
 9. The electronic settlement method as set forth in claim6, wherein during the step (a), each barcode includes a bankidentification number, a member identification number, and check codedata.
 10. The electronic settlement method as set forth in claim 9,wherein during the step (c), the settlement is differently performedaccording to settlement methods such as credit card settlement, smallamount settlement, and advance payment card settlement.
 11. A cashpayment method using a LCD barcode stored in a mobile terminal, saidcash payment method comprising the steps of: (a) inputting the barcodestored by the member's mobile terminal, a member's password, and totalamount to be paid, wherein the barcode is conferred the registeredmember and transmitted to the mobile terminal of the registered member;(b) transmitting the inputted barcode data the member's password, andthe total amount to be paid to the bank server system, and requestingthe bank server system to pay the total mount of cash; (c) verifying themember's cash payment possibility upon receiving a request for the cashpayment from a cash payment client system, and then in case the cashpayment is possible, transmitting cash payment possibility data to therequested cash payment client system or in case the cash payment isimpossible, transmitting cash payment impossibility data to therequested cash payment client system; and processing the cash payment incase the cash payment possibility data are transmitted to the requestedcash payment client system, or displaying the reason of the settlementimpossibility via a screen in case the settlement impossibility data aretransmitted to the requested cash payment client system.
 12. Theelectronic settlement system as set forth in claim 1, said electronicsettlement system further comprising: a cash payment client system fortransmitting cash payment data including a total amount to be paid and amember's password as well as the read LCD barcode to the bank serversystem, requesting the bank server system to identify the user and toverify the possibility of cash payment, being notified of the result ofthe user's identification and the result of the verification of the cashpayment possibility by the bank server system, performing the cashpayment transaction, and outputting a detailed statement for payment.13. The electronic settlement system as set forth in claim 1, whereinthe bank server system comprises: a controller for controlling membermanagement, barcode creation, account management, database and securitymanagement functions; a monitor for outputting a screen by the controlof the controller; and a keyboard for key-inputting data; saidcontroller including: a member management unit for managing registrationand cancellation of members; a barcode creation unit for creating amember's specific barcode; an account management unit for managing thewhole transaction history of a member's account and verifying themember's settlement possibility upon receiving a request for theelectronic settlement service from the shop client system; a databasefor storing and managing various data including member's informationdata, barcode data, account data, maintenance and management datarelating to the system operation, and data for Internet bankingservices; a wireless banking service unit for performing wirelessbanking services and verifying the possibility of cash payment uponreceiving a request for the cash payment service from the cash paymentclient system; and a cable and wireless Internet connection unit forperforming cable and wireless Internet connection functions.
 14. Theelectronic settlement system as set forth in claim 13, wherein theaccount management unit of the bank server system verifies whether thepayment amount of the member is more than a predetermined limit ofmember upon receiving a request for the electronic settlement service.15. The electronic settlement system as set forth in claims 13 or 14,wherein the barcode creation unit of the bank server system creates aplurality of different barcodes as many as the accounts of the member.16. The electronic settlement system as set forth in claim 12, whereinthe cash payment client system comprises: a controller; a monitor foroutputting processing conditions and results; a keyboard forkey-inputting the password and the amount to be paid; and a cashdispenser for dispensing the corresponding amount to the memberaccording to the notification of cash payment possibility; saidcontroller including: a cash payment processing unit for processing thecash payment according to the notification of the user identification; astatement output unit for outputting the detailed statement for payment;a user identification processing unit for requesting the useridentification and verifying the user identification; and a networkconnection unit for connecting the user identification processing unitto Internet.